For peace of mind during your ski holiday or season in Chamonix, it’s important to make sure you’re properly insured in case of an accident. Ski rescue in the mountains is not free, and costs can add up quickly.

When you buy your ski pass in Chamonix, you’ll usually be offered the option to add e-gloo Protec. This is a local ski insurance designed specifically for mountain sports.

Below, we answer the most common questions so you know what it is, what it covers, and how to use it if something goes wrong.

What is e-gloo Protect ski insurance?

e-gloo Protect is a ski insurance created in collaboration with the Comité de Ski du Mont‑Blanc and specialist travel insurance partners.

It is designed by people who work in the mountains, for people who ski in the mountains. You can add it when buying your ski pass in Chamonix, or purchase it separately if you are staying for a longer period or the whole season.

What does ski insurance in Chamonix cover?

e-gloo Protect focuses on mountain rescue and accident-related costs. This includes rescue and transport from the slopes to medical facilities, whether by piste patrol, ambulance, or helicopter.

It can also help with emergency medical expenses in France, assistance returning to your accommodation after an accident, and reimbursement of unused ski days if you are unable to continue skiing.

Does it cover off-piste skiing?

Yes. One of the key advantages of e-gloo Protect is that it covers rescue costs both on and off marked pistes, provided you are skiing responsibly and in authorised areas.

This is an important difference compared to many bank card or standard travel insurance policies, which often exclude off-piste rescue or require you to pay costs upfront before claiming them back.

Is it valid outside Chamonix?

If you are skiing with a pass that includes multiple resorts, such as Mont Blanc Unlimited, e-gloo Protect applies across the ski areas covered by that pass. This includes neighbouring French resorts and selected international areas included on the same lift pass.

Always check that the area you are skiing is included in your lift pass and insurance at the time of purchase.

Do I have to pay rescue costs upfront?

In most cases in France, rescue and transport are handled directly without requiring payment at the time. Having proof of your insurance helps simplify this process.

You’ll usually be given a small insurance card or confirmation when you purchase e-gloo Protect. Keep this with your ski pass so it can be shown quickly if needed.

What about medical costs?

e-gloo Protect provides support for emergency medical expenses following a ski accident in France. Coverage levels depend on your residency status and the policy taken out.

It is not a replacement for full health or travel insurance. European visitors should carry a valid EHIC or GHIC card. Visitors from outside Europe should also have comprehensive travel insurance to cover hospital treatment and repatriation outside France.

Can I get a refund on my ski pass or lessons?

If an accident or medical issue prevents you from continuing to ski, e-gloo Protect can reimburse unused ski days and booked lessons, subject to the policy conditions.

You’ll need to keep receipts and obtain a medical certificate confirming that you are unable to ski.

What about broken ski equipment?

Insurance can help cover accidental damage to ski equipment, whether it’s your own or rented, within the limits of the policy.

Loss or theft of equipment is usually not included and should be covered by separate insurance if required.

What should I do if I have an accident?

If you need mountain rescue, provide your name, lift pass number, and your exact location if possible. After the incident, collect all relevant documents, including medical reports and receipts.

You must declare the accident to e-gloo Protect within the timeframe stated in your policy. Claims are made directly through their official website.

Is e-gloo Protect the only insurance I need?

No. e-gloo Protect is designed to cover mountain rescue and ski-related incidents. It works best alongside standard travel or health insurance, which may cover hospital treatment, repatriation outside France, cancellation, and personal liability.

Using both together gives the most complete protection during a ski trip.

A final word

This information is intended as a practical guide for skiers visiting Chamonix. Insurance terms and coverage can change, and conditions vary depending on the policy you choose.

For full and up-to-date details, always check the official terms of e-gloo Protect at the time of purchase or contact the insurer directly.